贷款180万（商业贷款）的房贷，还款10年的等额本息和等额本金，有两种还款方式明细说明解析。
还款方式一：等额本息
贷款总额：180万
还款月数：10年
每月还款：17673.25元
利息总额：32.08万
本息合计：212.08万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 17673.25 | 5025.00 | 12648.25 | 1787351.75 |
| 2 | 2024-12 | 17673.25 | 4989.69 | 12683.56 | 1774668.18 |
| 3 | 2025-01 | 17673.25 | 4954.28 | 12718.97 | 1761949.21 |
| 4 | 2025-02 | 17673.25 | 4918.77 | 12754.48 | 1749194.74 |
| 5 | 2025-03 | 17673.25 | 4883.17 | 12790.08 | 1736404.65 |
| 6 | 2025-04 | 17673.25 | 4847.46 | 12825.79 | 1723578.86 |
| 7 | 2025-05 | 17673.25 | 4811.66 | 12861.60 | 1710717.27 |
| 8 | 2025-06 | 17673.25 | 4775.75 | 12897.50 | 1697819.76 |
| 9 | 2025-07 | 17673.25 | 4739.75 | 12933.51 | 1684886.26 |
| 10 | 2025-08 | 17673.25 | 4703.64 | 12969.61 | 1671916.65 |
| 11 | 2025-09 | 17673.25 | 4667.43 | 13005.82 | 1658910.83 |
| 12 | 2025-10 | 17673.25 | 4631.13 | 13042.13 | 1645868.70 |
| 13 | 2025-11 | 17673.25 | 4594.72 | 13078.54 | 1632790.16 |
| 14 | 2025-12 | 17673.25 | 4558.21 | 13115.05 | 1619675.12 |
| 15 | 2026-01 | 17673.25 | 4521.59 | 13151.66 | 1606523.46 |
| 16 | 2026-02 | 17673.25 | 4484.88 | 13188.37 | 1593335.08 |
| 17 | 2026-03 | 17673.25 | 4448.06 | 13225.19 | 1580109.89 |
| 18 | 2026-04 | 17673.25 | 4411.14 | 13262.11 | 1566847.78 |
| 19 | 2026-05 | 17673.25 | 4374.12 | 13299.14 | 1553548.64 |
| 20 | 2026-06 | 17673.25 | 4336.99 | 13336.26 | 1540212.38 |
| 21 | 2026-07 | 17673.25 | 4299.76 | 13373.49 | 1526838.88 |
| 22 | 2026-08 | 17673.25 | 4262.43 | 13410.83 | 1513428.06 |
| 23 | 2026-09 | 17673.25 | 4224.99 | 13448.27 | 1499979.79 |
| 24 | 2026-10 | 17673.25 | 4187.44 | 13485.81 | 1486493.98 |
| 25 | 2026-11 | 17673.25 | 4149.80 | 13523.46 | 1472970.52 |
| 26 | 2026-12 | 17673.25 | 4112.04 | 13561.21 | 1459409.31 |
| 27 | 2027-01 | 17673.25 | 4074.18 | 13599.07 | 1445810.24 |
| 28 | 2027-02 | 17673.25 | 4036.22 | 13637.03 | 1432173.21 |
| 29 | 2027-03 | 17673.25 | 3998.15 | 13675.10 | 1418498.11 |
| 30 | 2027-04 | 17673.25 | 3959.97 | 13713.28 | 1404784.83 |
| 31 | 2027-05 | 17673.25 | 3921.69 | 13751.56 | 1391033.27 |
| 32 | 2027-06 | 17673.25 | 3883.30 | 13789.95 | 1377243.32 |
| 33 | 2027-07 | 17673.25 | 3844.80 | 13828.45 | 1363414.87 |
| 34 | 2027-08 | 17673.25 | 3806.20 | 13867.05 | 1349547.81 |
| 35 | 2027-09 | 17673.25 | 3767.49 | 13905.77 | 1335642.05 |
| 36 | 2027-10 | 17673.25 | 3728.67 | 13944.59 | 1321697.46 |
| 37 | 2027-11 | 17673.25 | 3689.74 | 13983.51 | 1307713.95 |
| 38 | 2027-12 | 17673.25 | 3650.70 | 14022.55 | 1293691.40 |
| 39 | 2028-01 | 17673.25 | 3611.56 | 14061.70 | 1279629.70 |
| 40 | 2028-02 | 17673.25 | 3572.30 | 14100.95 | 1265528.75 |
| 41 | 2028-03 | 17673.25 | 3532.93 | 14140.32 | 1251388.43 |
| 42 | 2028-04 | 17673.25 | 3493.46 | 14179.79 | 1237208.63 |
| 43 | 2028-05 | 17673.25 | 3453.87 | 14219.38 | 1222989.26 |
| 44 | 2028-06 | 17673.25 | 3414.18 | 14259.07 | 1208730.18 |
| 45 | 2028-07 | 17673.25 | 3374.37 | 14298.88 | 1194431.30 |
| 46 | 2028-08 | 17673.25 | 3334.45 | 14338.80 | 1180092.50 |
| 47 | 2028-09 | 17673.25 | 3294.42 | 14378.83 | 1165713.67 |
| 48 | 2028-10 | 17673.25 | 3254.28 | 14418.97 | 1151294.70 |
| 49 | 2028-11 | 17673.25 | 3214.03 | 14459.22 | 1136835.48 |
| 50 | 2028-12 | 17673.25 | 3173.67 | 14499.59 | 1122335.89 |
| 51 | 2029-01 | 17673.25 | 3133.19 | 14540.07 | 1107795.83 |
| 52 | 2029-02 | 17673.25 | 3092.60 | 14580.66 | 1093215.17 |
| 53 | 2029-03 | 17673.25 | 3051.89 | 14621.36 | 1078593.81 |
| 54 | 2029-04 | 17673.25 | 3011.07 | 14662.18 | 1063931.63 |
| 55 | 2029-05 | 17673.25 | 2970.14 | 14703.11 | 1049228.52 |
| 56 | 2029-06 | 17673.25 | 2929.10 | 14744.16 | 1034484.37 |
| 57 | 2029-07 | 17673.25 | 2887.94 | 14785.32 | 1019699.05 |
| 58 | 2029-08 | 17673.25 | 2846.66 | 14826.59 | 1004872.46 |
| 59 | 2029-09 | 17673.25 | 2805.27 | 14867.98 | 990004.47 |
| 60 | 2029-10 | 17673.25 | 2763.76 | 14909.49 | 975094.98 |
| 61 | 2029-11 | 17673.25 | 2722.14 | 14951.11 | 960143.87 |
| 62 | 2029-12 | 17673.25 | 2680.40 | 14992.85 | 945151.02 |
| 63 | 2030-01 | 17673.25 | 2638.55 | 15034.71 | 930116.31 |
| 64 | 2030-02 | 17673.25 | 2596.57 | 15076.68 | 915039.63 |
| 65 | 2030-03 | 17673.25 | 2554.49 | 15118.77 | 899920.87 |
| 66 | 2030-04 | 17673.25 | 2512.28 | 15160.97 | 884759.89 |
| 67 | 2030-05 | 17673.25 | 2469.95 | 15203.30 | 869556.59 |
| 68 | 2030-06 | 17673.25 | 2427.51 | 15245.74 | 854310.85 |
| 69 | 2030-07 | 17673.25 | 2384.95 | 15288.30 | 839022.55 |
| 70 | 2030-08 | 17673.25 | 2342.27 | 15330.98 | 823691.57 |
| 71 | 2030-09 | 17673.25 | 2299.47 | 15373.78 | 808317.79 |
| 72 | 2030-10 | 17673.25 | 2256.55 | 15416.70 | 792901.09 |
| 73 | 2030-11 | 17673.25 | 2213.52 | 15459.74 | 777441.35 |
| 74 | 2030-12 | 17673.25 | 2170.36 | 15502.90 | 761938.46 |
| 75 | 2031-01 | 17673.25 | 2127.08 | 15546.17 | 746392.28 |
| 76 | 2031-02 | 17673.25 | 2083.68 | 15589.57 | 730802.71 |
| 77 | 2031-03 | 17673.25 | 2040.16 | 15633.10 | 715169.61 |
| 78 | 2031-04 | 17673.25 | 1996.52 | 15676.74 | 699492.87 |
| 79 | 2031-05 | 17673.25 | 1952.75 | 15720.50 | 683772.37 |
| 80 | 2031-06 | 17673.25 | 1908.86 | 15764.39 | 668007.98 |
| 81 | 2031-07 | 17673.25 | 1864.86 | 15808.40 | 652199.58 |
| 82 | 2031-08 | 17673.25 | 1820.72 | 15852.53 | 636347.06 |
| 83 | 2031-09 | 17673.25 | 1776.47 | 15896.78 | 620450.27 |
| 84 | 2031-10 | 17673.25 | 1732.09 | 15941.16 | 604509.11 |
| 85 | 2031-11 | 17673.25 | 1687.59 | 15985.67 | 588523.44 |
| 86 | 2031-12 | 17673.25 | 1642.96 | 16030.29 | 572493.15 |
| 87 | 2032-01 | 17673.25 | 1598.21 | 16075.04 | 556418.11 |
| 88 | 2032-02 | 17673.25 | 1553.33 | 16119.92 | 540298.19 |
| 89 | 2032-03 | 17673.25 | 1508.33 | 16164.92 | 524133.27 |
| 90 | 2032-04 | 17673.25 | 1463.21 | 16210.05 | 507923.22 |
| 91 | 2032-05 | 17673.25 | 1417.95 | 16255.30 | 491667.92 |
| 92 | 2032-06 | 17673.25 | 1372.57 | 16300.68 | 475367.24 |
| 93 | 2032-07 | 17673.25 | 1327.07 | 16346.19 | 459021.06 |
| 94 | 2032-08 | 17673.25 | 1281.43 | 16391.82 | 442629.24 |
| 95 | 2032-09 | 17673.25 | 1235.67 | 16437.58 | 426191.66 |
| 96 | 2032-10 | 17673.25 | 1189.79 | 16483.47 | 409708.19 |
| 97 | 2032-11 | 17673.25 | 1143.77 | 16529.48 | 393178.70 |
| 98 | 2032-12 | 17673.25 | 1097.62 | 16575.63 | 376603.08 |
| 99 | 2033-01 | 17673.25 | 1051.35 | 16621.90 | 359981.17 |
| 100 | 2033-02 | 17673.25 | 1004.95 | 16668.31 | 343312.87 |
| 101 | 2033-03 | 17673.25 | 958.42 | 16714.84 | 326598.03 |
| 102 | 2033-04 | 17673.25 | 911.75 | 16761.50 | 309836.53 |
| 103 | 2033-05 | 17673.25 | 864.96 | 16808.29 | 293028.24 |
| 104 | 2033-06 | 17673.25 | 818.04 | 16855.22 | 276173.02 |
| 105 | 2033-07 | 17673.25 | 770.98 | 16902.27 | 259270.75 |
| 106 | 2033-08 | 17673.25 | 723.80 | 16949.46 | 242321.29 |
| 107 | 2033-09 | 17673.25 | 676.48 | 16996.77 | 225324.52 |
| 108 | 2033-10 | 17673.25 | 629.03 | 17044.22 | 208280.30 |
| 109 | 2033-11 | 17673.25 | 581.45 | 17091.80 | 191188.50 |
| 110 | 2033-12 | 17673.25 | 533.73 | 17139.52 | 174048.98 |
| 111 | 2034-01 | 17673.25 | 485.89 | 17187.37 | 156861.61 |
| 112 | 2034-02 | 17673.25 | 437.91 | 17235.35 | 139626.26 |
| 113 | 2034-03 | 17673.25 | 389.79 | 17283.46 | 122342.80 |
| 114 | 2034-04 | 17673.25 | 341.54 | 17331.71 | 105011.09 |
| 115 | 2034-05 | 17673.25 | 293.16 | 17380.10 | 87630.99 |
| 116 | 2034-06 | 17673.25 | 244.64 | 17428.62 | 70202.37 |
| 117 | 2034-07 | 17673.25 | 195.98 | 17477.27 | 52725.10 |
| 118 | 2034-08 | 17673.25 | 147.19 | 17526.06 | 35199.04 |
| 119 | 2034-09 | 17673.25 | 98.26 | 17574.99 | 17624.05 |
| 120 | 2034-10 | 17673.25 | 49.20 | 17624.05 | 0.00 |
还款方式二：等额本金
贷款总额：180万
还款月数：10年
首月还款：20025元
每月递减：41.88元
利息总额：30.4万
本息合计：210.4万
节省利息：16777.86元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 20025.00 | 5025.00 | 15000.00 | 1785000.00 |
| 2 | 2024-12 | 19983.13 | 4983.13 | 15000.00 | 1770000.00 |
| 3 | 2025-01 | 19941.25 | 4941.25 | 15000.00 | 1755000.00 |
| 4 | 2025-02 | 19899.38 | 4899.38 | 15000.00 | 1740000.00 |
| 5 | 2025-03 | 19857.50 | 4857.50 | 15000.00 | 1725000.00 |
| 6 | 2025-04 | 19815.63 | 4815.63 | 15000.00 | 1710000.00 |
| 7 | 2025-05 | 19773.75 | 4773.75 | 15000.00 | 1695000.00 |
| 8 | 2025-06 | 19731.88 | 4731.88 | 15000.00 | 1680000.00 |
| 9 | 2025-07 | 19690.00 | 4690.00 | 15000.00 | 1665000.00 |
| 10 | 2025-08 | 19648.13 | 4648.13 | 15000.00 | 1650000.00 |
| 11 | 2025-09 | 19606.25 | 4606.25 | 15000.00 | 1635000.00 |
| 12 | 2025-10 | 19564.38 | 4564.38 | 15000.00 | 1620000.00 |
| 13 | 2025-11 | 19522.50 | 4522.50 | 15000.00 | 1605000.00 |
| 14 | 2025-12 | 19480.63 | 4480.63 | 15000.00 | 1590000.00 |
| 15 | 2026-01 | 19438.75 | 4438.75 | 15000.00 | 1575000.00 |
| 16 | 2026-02 | 19396.88 | 4396.88 | 15000.00 | 1560000.00 |
| 17 | 2026-03 | 19355.00 | 4355.00 | 15000.00 | 1545000.00 |
| 18 | 2026-04 | 19313.13 | 4313.13 | 15000.00 | 1530000.00 |
| 19 | 2026-05 | 19271.25 | 4271.25 | 15000.00 | 1515000.00 |
| 20 | 2026-06 | 19229.38 | 4229.38 | 15000.00 | 1500000.00 |
| 21 | 2026-07 | 19187.50 | 4187.50 | 15000.00 | 1485000.00 |
| 22 | 2026-08 | 19145.63 | 4145.63 | 15000.00 | 1470000.00 |
| 23 | 2026-09 | 19103.75 | 4103.75 | 15000.00 | 1455000.00 |
| 24 | 2026-10 | 19061.88 | 4061.88 | 15000.00 | 1440000.00 |
| 25 | 2026-11 | 19020.00 | 4020.00 | 15000.00 | 1425000.00 |
| 26 | 2026-12 | 18978.13 | 3978.13 | 15000.00 | 1410000.00 |
| 27 | 2027-01 | 18936.25 | 3936.25 | 15000.00 | 1395000.00 |
| 28 | 2027-02 | 18894.38 | 3894.38 | 15000.00 | 1380000.00 |
| 29 | 2027-03 | 18852.50 | 3852.50 | 15000.00 | 1365000.00 |
| 30 | 2027-04 | 18810.63 | 3810.63 | 15000.00 | 1350000.00 |
| 31 | 2027-05 | 18768.75 | 3768.75 | 15000.00 | 1335000.00 |
| 32 | 2027-06 | 18726.88 | 3726.88 | 15000.00 | 1320000.00 |
| 33 | 2027-07 | 18685.00 | 3685.00 | 15000.00 | 1305000.00 |
| 34 | 2027-08 | 18643.13 | 3643.13 | 15000.00 | 1290000.00 |
| 35 | 2027-09 | 18601.25 | 3601.25 | 15000.00 | 1275000.00 |
| 36 | 2027-10 | 18559.38 | 3559.38 | 15000.00 | 1260000.00 |
| 37 | 2027-11 | 18517.50 | 3517.50 | 15000.00 | 1245000.00 |
| 38 | 2027-12 | 18475.63 | 3475.63 | 15000.00 | 1230000.00 |
| 39 | 2028-01 | 18433.75 | 3433.75 | 15000.00 | 1215000.00 |
| 40 | 2028-02 | 18391.88 | 3391.88 | 15000.00 | 1200000.00 |
| 41 | 2028-03 | 18350.00 | 3350.00 | 15000.00 | 1185000.00 |
| 42 | 2028-04 | 18308.13 | 3308.13 | 15000.00 | 1170000.00 |
| 43 | 2028-05 | 18266.25 | 3266.25 | 15000.00 | 1155000.00 |
| 44 | 2028-06 | 18224.38 | 3224.38 | 15000.00 | 1140000.00 |
| 45 | 2028-07 | 18182.50 | 3182.50 | 15000.00 | 1125000.00 |
| 46 | 2028-08 | 18140.63 | 3140.63 | 15000.00 | 1110000.00 |
| 47 | 2028-09 | 18098.75 | 3098.75 | 15000.00 | 1095000.00 |
| 48 | 2028-10 | 18056.88 | 3056.88 | 15000.00 | 1080000.00 |
| 49 | 2028-11 | 18015.00 | 3015.00 | 15000.00 | 1065000.00 |
| 50 | 2028-12 | 17973.13 | 2973.13 | 15000.00 | 1050000.00 |
| 51 | 2029-01 | 17931.25 | 2931.25 | 15000.00 | 1035000.00 |
| 52 | 2029-02 | 17889.38 | 2889.38 | 15000.00 | 1020000.00 |
| 53 | 2029-03 | 17847.50 | 2847.50 | 15000.00 | 1005000.00 |
| 54 | 2029-04 | 17805.63 | 2805.63 | 15000.00 | 990000.00 |
| 55 | 2029-05 | 17763.75 | 2763.75 | 15000.00 | 975000.00 |
| 56 | 2029-06 | 17721.88 | 2721.88 | 15000.00 | 960000.00 |
| 57 | 2029-07 | 17680.00 | 2680.00 | 15000.00 | 945000.00 |
| 58 | 2029-08 | 17638.13 | 2638.13 | 15000.00 | 930000.00 |
| 59 | 2029-09 | 17596.25 | 2596.25 | 15000.00 | 915000.00 |
| 60 | 2029-10 | 17554.38 | 2554.38 | 15000.00 | 900000.00 |
| 61 | 2029-11 | 17512.50 | 2512.50 | 15000.00 | 885000.00 |
| 62 | 2029-12 | 17470.63 | 2470.63 | 15000.00 | 870000.00 |
| 63 | 2030-01 | 17428.75 | 2428.75 | 15000.00 | 855000.00 |
| 64 | 2030-02 | 17386.88 | 2386.88 | 15000.00 | 840000.00 |
| 65 | 2030-03 | 17345.00 | 2345.00 | 15000.00 | 825000.00 |
| 66 | 2030-04 | 17303.13 | 2303.13 | 15000.00 | 810000.00 |
| 67 | 2030-05 | 17261.25 | 2261.25 | 15000.00 | 795000.00 |
| 68 | 2030-06 | 17219.38 | 2219.38 | 15000.00 | 780000.00 |
| 69 | 2030-07 | 17177.50 | 2177.50 | 15000.00 | 765000.00 |
| 70 | 2030-08 | 17135.63 | 2135.63 | 15000.00 | 750000.00 |
| 71 | 2030-09 | 17093.75 | 2093.75 | 15000.00 | 735000.00 |
| 72 | 2030-10 | 17051.88 | 2051.88 | 15000.00 | 720000.00 |
| 73 | 2030-11 | 17010.00 | 2010.00 | 15000.00 | 705000.00 |
| 74 | 2030-12 | 16968.13 | 1968.13 | 15000.00 | 690000.00 |
| 75 | 2031-01 | 16926.25 | 1926.25 | 15000.00 | 675000.00 |
| 76 | 2031-02 | 16884.38 | 1884.38 | 15000.00 | 660000.00 |
| 77 | 2031-03 | 16842.50 | 1842.50 | 15000.00 | 645000.00 |
| 78 | 2031-04 | 16800.63 | 1800.63 | 15000.00 | 630000.00 |
| 79 | 2031-05 | 16758.75 | 1758.75 | 15000.00 | 615000.00 |
| 80 | 2031-06 | 16716.88 | 1716.88 | 15000.00 | 600000.00 |
| 81 | 2031-07 | 16675.00 | 1675.00 | 15000.00 | 585000.00 |
| 82 | 2031-08 | 16633.13 | 1633.13 | 15000.00 | 570000.00 |
| 83 | 2031-09 | 16591.25 | 1591.25 | 15000.00 | 555000.00 |
| 84 | 2031-10 | 16549.38 | 1549.38 | 15000.00 | 540000.00 |
| 85 | 2031-11 | 16507.50 | 1507.50 | 15000.00 | 525000.00 |
| 86 | 2031-12 | 16465.63 | 1465.63 | 15000.00 | 510000.00 |
| 87 | 2032-01 | 16423.75 | 1423.75 | 15000.00 | 495000.00 |
| 88 | 2032-02 | 16381.88 | 1381.88 | 15000.00 | 480000.00 |
| 89 | 2032-03 | 16340.00 | 1340.00 | 15000.00 | 465000.00 |
| 90 | 2032-04 | 16298.13 | 1298.13 | 15000.00 | 450000.00 |
| 91 | 2032-05 | 16256.25 | 1256.25 | 15000.00 | 435000.00 |
| 92 | 2032-06 | 16214.38 | 1214.38 | 15000.00 | 420000.00 |
| 93 | 2032-07 | 16172.50 | 1172.50 | 15000.00 | 405000.00 |
| 94 | 2032-08 | 16130.63 | 1130.63 | 15000.00 | 390000.00 |
| 95 | 2032-09 | 16088.75 | 1088.75 | 15000.00 | 375000.00 |
| 96 | 2032-10 | 16046.88 | 1046.88 | 15000.00 | 360000.00 |
| 97 | 2032-11 | 16005.00 | 1005.00 | 15000.00 | 345000.00 |
| 98 | 2032-12 | 15963.13 | 963.13 | 15000.00 | 330000.00 |
| 99 | 2033-01 | 15921.25 | 921.25 | 15000.00 | 315000.00 |
| 100 | 2033-02 | 15879.38 | 879.38 | 15000.00 | 300000.00 |
| 101 | 2033-03 | 15837.50 | 837.50 | 15000.00 | 285000.00 |
| 102 | 2033-04 | 15795.63 | 795.63 | 15000.00 | 270000.00 |
| 103 | 2033-05 | 15753.75 | 753.75 | 15000.00 | 255000.00 |
| 104 | 2033-06 | 15711.88 | 711.88 | 15000.00 | 240000.00 |
| 105 | 2033-07 | 15670.00 | 670.00 | 15000.00 | 225000.00 |
| 106 | 2033-08 | 15628.13 | 628.13 | 15000.00 | 210000.00 |
| 107 | 2033-09 | 15586.25 | 586.25 | 15000.00 | 195000.00 |
| 108 | 2033-10 | 15544.38 | 544.38 | 15000.00 | 180000.00 |
| 109 | 2033-11 | 15502.50 | 502.50 | 15000.00 | 165000.00 |
| 110 | 2033-12 | 15460.63 | 460.63 | 15000.00 | 150000.00 |
| 111 | 2034-01 | 15418.75 | 418.75 | 15000.00 | 135000.00 |
| 112 | 2034-02 | 15376.88 | 376.88 | 15000.00 | 120000.00 |
| 113 | 2034-03 | 15335.00 | 335.00 | 15000.00 | 105000.00 |
| 114 | 2034-04 | 15293.13 | 293.13 | 15000.00 | 90000.00 |
| 115 | 2034-05 | 15251.25 | 251.25 | 15000.00 | 75000.00 |
| 116 | 2034-06 | 15209.38 | 209.38 | 15000.00 | 60000.00 |
| 117 | 2034-07 | 15167.50 | 167.50 | 15000.00 | 45000.00 |
| 118 | 2034-08 | 15125.63 | 125.63 | 15000.00 | 30000.00 |
| 119 | 2034-09 | 15083.75 | 83.75 | 15000.00 | 15000.00 |
| 120 | 2034-10 | 15041.88 | 41.88 | 15000.00 | 0.00 |
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采用2025年12月02日贷款市场报价利率(LPR)中国人民银行授权全国银行间同业拆借中心公布，采用2025年12月02日贷款市场报价利率(LPR)为：1年期LPR为3.35%，5年期以上LPR为3.85%。以上LPR在下一次发布LPR之前有效。
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